W. Kariuki M, Oywaya-Nkurumwa A, G. Mwangi J. Influence of selected Socio-Economic Factors on Access to Agricultural Credit among Small-Scale Farmers in Nakuru County, Kenya. JAEM. 2019;14(1):1-12. Accessed October 19, 2025. https://epubs.icar.org.in/index.php/JAEM/article/view/89904